in money market products giving a better yield. Cost of Services While our revenue is stable compared year-on-year, our cost of service decreased by 1.59mb or - 2.1% to 73.41mb (Q1 2018: 75.00mb). The

our investments, as well as improvements in surplus cash management where we have invested surplus cash in money market products giving a better yield. Cost of Services While our revenue has grown 7.7

returns from our investments, as well as improvements in surplus cash management where we have invested surplus cash in money market products giving a better yield. Cost of Services While our revenue has

quarter 3 /2017 as the principal of investment declined bringing down the yield. Jan – Sep. 2018 For the first 9-month of 2018, sales increased to THB 620.53 million or 18% from THB 525.24 million in 9

17,573 16,825 3.9% 8.5% 52,953 49,670 6.6% Yield on earning assets 3.74% 3.64% 3.65% 0.10% 0.09% 3.69% 3.67% 0.02% Cost of funds 1.52% 1.50% 1.54% 0.02% (0.02)% 1.51% 1.54% (0.03)% Net interest margin 2.42

receivables and insurance business which yield higher gross profit margin. Administrative Expenses The Company had administrative expenses for the 3rd quarter of 2018 equal to 77.3 million baht, which was

collection business. The performance in Q3/2018 shows a strong recovery sign. In addition, the Company diversifies its business into Factoring Business which yield a good return for the business. Property

result and submit our reviewed financial statements for Quarter 1/2018 Summary of the Company’s for the three-month period ended March 31, 2018 compared to that of the period ended March 31, 2017 as follow

Company Limited (“the Company”) would like to submit the management’s discussion and analysis of our operating results for the year 2018 period ended December 31, 2018, as follows: (Unit: Baht million

”) would like to submit the Management Discussion and Analysis of the Company’s operation for the year 2018 ended 31 December, 2018 with details as follows: Unit: Million Baht Consolidated financial